Terms and Conditions

health-quote.co.uk – (the "Website"). Please read these terms and conditions before using the Website which is owned and operated by health-quote.co.uk, a trading name of Beyond Leads Limited ("we", "us" or "our").

The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at www.financial-ombudsman.org.uk.

By using our Website, you are signifying your acceptance of these terms and conditions in consideration of which we allow you with access. From time to time we may alter these terms and conditions. Therefore, please continue to review them each time you are accessing or using the Website. If you do not wish to accept the Terms at any time, you may refrain from using the Website.

1. Copyright and Other Rights

The Website, inclusive of text, content, software, video, audio, graphics, photos, illustrations, images, artwork, names, logos and any other material is our "Content" and is protected by copyright, trademarks and other proprietary rights. This Content includes both content owned or controlled by health-quote.co.uk and/or content wholly owned and/or controlled by third parties and licensed to us for our sole use. All written content including articles, reports and all other elements that make up the Website are copyright works and protected. There is no right to acquire and no rights or licences other than that limited right to use the Website in accordance with these Terms for personal, non-commercial use.

2. Information on the Website

health-quote.co.uk has endeavoured to ensure the accuracy of the information on the Website; however, we do not guarantee or provide any warranty as to the accuracy, timeliness or completeness of information or material on the Website. The Website and the Content are provided on an "as is" basis, without any warranties unless specifically stated. Nothing on the Website is medical advice or advice on the suitability of any health insurance policy.

3. Other Websites

health-quote.co.uk has no control over or responsibility for links to any third-party websites from this Website. The use of such links to third-party websites is at your sole risk.

4. Your responsibility when purchasing insurance

It's your responsibility to ensure that all information used by a provider or third party in arranging an insurance policy or financial product for you is correct. You warrant to us that all information you submit to us is accurate and complete to the best of your knowledge. If you have reason to believe that your knowledge is not sufficient to provide an answer to a question, then you agree to check before answering that question.

We are not in any way responsible for any inaccuracies in any insurance policy or financial product taken out by you from any insurance provider or other third party, whether or not they are listed on this website unless such inaccuracies are a direct result of our negligence and could not have been picked up by your checking the application answers with the provider or third party before committing to the insurance cover and/or other financial services and products.

We are not able to advise on the suitability of any product for you or arrange such product. It is your responsibility to discuss your insurance requirements, including any medical history the insurer asks about, with any provider before taking out an insurance policy. Failure to do this could result in you taking out insurance that is not suitable for your requirements and which may be inadequate in the event of a claim.

If you are purchasing a product from a provider you should read their terms and conditions. The provider's terms and conditions will cover any transaction or agreement between you and the provider, whereas these Terms and Conditions agreed with us relate to your use of this website.

5. Use of your personal information

Beyond Leads Limited will be acting as a 'controller' (as such term is defined under the UK General Data Protection Regulation (UK GDPR)).

By using our Services, you are acknowledging that you understand the scope of our Services and how we use Personal Data (as such term is defined in the UK GDPR) relating to you.

You agree not to upload, transmit or send any Personal Data to us whether via our website or otherwise which you are not lawfully authorised to upload, transmit or send for use by us as set out in these Terms and our Privacy Policy.

By uploading, transmitting or sending any Personal Data to us whether via our website or otherwise you are representing to us that you have all necessary authority and have obtained any consents required to enable us lawfully to use such Personal Data in accordance with the terms set out in our Privacy Policy. If you request cover for a partner or family members, you confirm you have their permission to share their details with us.

If you decide to purchase or make further queries about a product or service through this website you may be directed to the product or service provider's website and the information you have provided may be passed to such providers to allow them to deal with your request. Those providers will be subject to their own terms and conditions and each provider may have a different privacy policy from ours.

6. Intellectual Property

All information, data and copyright material contained on this website, including any trade marks (whether officially registered or unregistered), trade names, brands, logos and devices belong to us or to people whom we have given ownership or permission to use such information data and/or copyright material. You must not use such information or copyright material unless you have written permission from us or the owner to do so.

You may download, print and view extracts from our website for your personal use but must not otherwise copy, reproduce or redistribute any part of our website without our prior written consent. In particular you must not reproduce or exploit any part of our website for commercial gain. All other rights are reserved and users must ask our permission before making any other use of material contained in this website.

7. General

We reserve the right to terminate or restrict your access to the Website at any time without notice or for any reason whatsoever.

You acknowledge that access to the Website is provided free of charge and if for any reason, you are dissatisfied with the Website, these terms and conditions or with any content of the Website, then your only remedy is to immediately discontinue the use of the Website. Except in respect of fraud and personal injury or death to the extent it has resulted from our negligence, we accept no liability whatsoever to you, whether based on warranty, contract, negligence (including tort) or otherwise.

In respect of these Terms and Conditions, you agree to indemnify, defend, and hold us harmless from and against any claims, actions, demands or other proceedings brought against us by a third party, to the extent that such claim, suit, action or any other proceeding brought against us is based on or arises in connection with your use of the Website, any breach by you of these terms and conditions, or a claim that your use of the Website infringes on any intellectual property rights of any third party or is libellous or defamatory, or otherwise results in injury or damage to any third party.

8. Our Costs

Our remuneration model is that we receive a fee from our partner brokers when they receive an enquiry that matches their criteria. We do not charge the users of our website for our service.

9. Our Liability

While we take reasonable steps to ensure that the information contained on our website is accurate, we do not accept any responsibility or liability whatsoever in contract, tort or otherwise for any loss or damage caused by or arising directly or indirectly in connection with any use or reliance on the contents of our website except to the extent that such liability cannot be excluded by law.

Similarly, we accept no responsibility or liability whatsoever for any loss or damage you may suffer or incur in the event that any insurance product you apply for does not meet your requirements or is not suitable for you.

10. Applicable Law

Those who access the Website do so on their own initiative and are responsible for compliance with applicable local laws or regulations; legal advice should be sought in cases of doubt.

The Website is not directed at any person in any jurisdiction where for any reason the publication or availability of the Website is prohibited. Those in respect of whom such prohibitions apply must not access the Website. We do not represent that either the Website or the Content are appropriate for use or permitted by local laws in all jurisdictions.

The Terms are governed by the laws of England and Wales and the parties submit to the exclusive jurisdiction of the English Courts.

11. Contacting us

If you have any queries about these terms and conditions, please contact us using the form on our Contact page.

12. Complaints

Our mission is to provide the best possible service, however if you feel that you have a complaint you wish to raise please contact us using the form on our Contact page.

Should your complaint be against one of our insurance broker panel members, we will pass your complaint onto them. The company will then reply to your complaint, in line with their own complaints procedure which is monitored by the Financial Conduct Authority.

Financial Ombudsman Service

If you are not satisfied with the response to your complaint then you may refer this to the Financial Ombudsman Service (FOS) who can be contacted at Exchange Tower, Harbour Exchange Square, London, E14 9SR or via telephone on 0800 0234567 FREE.